Tools and research for consumer finance

Financial data, made legible.

YourFinSight is a small set of tools and research built around credit union and household finance. One is live. One is a long-form analysis. One is a prototype with a waitlist. Each is labeled with where it stands.

CU Data Explorer Live

Look up any federally insured credit union.

Search by name or charter and get an executive dashboard, a spread analysis, and a repricing-gap profile. Everything is computed from the NCUA 5300 Call Report, so the numbers are the same ones the regulator sees.

It is the view a board member or an ALCO chair wants in front of them, without building the spreadsheet first.

Open CU Data Explorer
Executive dashboard
The balance sheet, earnings, and capital picture for a single institution, with trend over recent quarters.
Spread analysis
Yield on earning assets against cost of funds, and what is happening to the margin between them.
Repricing-gap profile
How assets and liabilities reprice across time buckets, and where the institution is exposed to a rate move.
Data source
Quarterly NCUA 5300 Call Report filings. cu.yourfinsight.net

Economic Outlook Research

Five decades of inflation, income, housing, and debt on one set of charts.

The American Economic Reckoning indexes inflation, home prices, household income, GDP, and national debt to 1970 and projects each line forward. Some lines grew steadily. Others went parabolic. The gap between them is the story.

The analysis closes with what the gap means for retirement, for the next generation, and what to actually do about it.

Read the analysis
Dollar purchasing power
−88%
Since 1970
National debt
$39T+
And accelerating
Home price to income
5.0×
Was 2.7× in 1970
Debt to GDP
133%
Federal debt relative to annual output

Figures as presented in the analysis. Sources and methodology are noted on each chart.

AlertGuard Prototype

One view across every account you own.

AlertGuard watches activity across your banks, cards, brokerage, and payment apps and flags the pattern no single institution can see on its own. A login here, a password reset there, an address change somewhere else. Individually routine. Together, not.

It never asks for your passwords and never logs into your accounts. The patent is pending and a working prototype exists. It is not available yet.

About YourFinSight

YourFinSight is an independent project. It is not affiliated with or endorsed by the National Credit Union Administration or any credit union. CU Data Explorer figures are computed from public Call Report filings and may differ from an institution's own reporting.

Nothing on this site is financial, legal, or investment advice.